The 5th April is approaching, which means there is still time for you to use your ISA allowance for this tax year. If you have not yet used up the full £20,000 allowance, it is worth being aware that any unused portion will not be carried forward into the next tax year.
If you are building an investment portfolio, a Stocks and Shares ISA can be a tax-efficient option. It allows investment growth to sit outside income tax and capital gains tax, which can make a meaningful difference over time. However, please note that taxation depends on individual circumstances, and investors should ensure they do not exceed their annual ISA allowance. ISA rules and tax legislation are also subject to change.
Ed Durrant, Independent Financial Adviser at Hawsons, says:
“A Stocks and Shares ISA can play an important role in longer term financial planning. It is always worth considering how best to use your allowance each year, but decisions should be taken with care and in line with your wider financial goals.
Investments can fall as well as rise due to market movements, so it is important to take a balanced view. By speaking with an adviser, we can help you build a portfolio that reflects your attitude to risk and your objectives.
While this tax year end is approaching, the new ISA allowance becomes available again on 6 April. Whether you are looking to act now or plan ahead for the next tax year, we are here to support you.”
If you have been thinking about reviewing your financial planning, or making use of your ISA, this can be a good opportunity to start the conversation. Contact Hawsons Wealth Management or speak to us directly on 0114 266 7141. We are always happy to talk things through.
Please note:
Capital at Risk: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Taxation: Tax treatment depends on your individual circumstances and may be subject to change in the future. ISA rules and allowances are set by the government and can change.
This does not constitute financial advice.
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